If you run a business today, you probably recognize this picture:
Your customers want to pay everywhere: in-store, on your website/app, through WhatsApp messages, via invoices, etc. To do this, you probably have different systems for different channels, or you’re limiting your customers to creating manual bank transfers or paying in-store.
At the end of the month, the same internal questions appear: “Who paid this invoice?” “What is this reference on the bank statement?”. Whether you’re a small business owner or responsible for payments at a large corporation, this constant fragmentation costs you time, creates confusion, causes delays, and leads to missed revenue.
Sentoo has evolved to simplify this. Not just through different payment methods, but through solutions, partnerships, and integrations that make digital payments available everywhere your business operates.
What do we mean by the Sentoo ecosystem?
When we talk about the Sentoo payment ecosystem, we’re not referring to a single solution or payment method. The ecosystem is the network of integrations, platforms, partners, and systems that allows Sentoo’s payment methods (Pay by Bank, Card Payments, and iDEAL) to work seamlessly across:
- Websites and apps
- Invoices and payment request links
- Accounting and ERP systems
- Physical locations
- POS systems
Sentoo sits at the center and, through integrations and partnerships, enables payment options wherever payments are initiated.
The payment methods inside Sentoo
At the core of this ecosystem you’ll find three payment methods. These are not the ecosystem itself, they are the engine that powers it.
1) Pay by Bank
Pay by Bank is one of our core solutions in the Dutch Caribbean. It enables consumers to pay straight from their banking app. It is not a digital wallet, it does not need top-ups or a separate Sentoo balance. We work with banks in Aruba, Bonaire, Curaçao, Saba, Sint Eustatius, and Sint Maarten, so if your customer has an account with a supported bank, they can pay you through Sentoo.
Why it matters for businesses
- Easy to explain: “Just approve the payment inside your bank app.”
- Less cash handling and fewer manual transfers.
- You pay per successful transaction only: 1%, capped at $1.50.
- Bank-grade authentication with flows customers already trust.
- Instant payment confirmation in your system.
- Lower operational friction than manual processing of transfers.
2) Visa & Mastercard payments
With Sentoo, you can also accept Visa and Mastercard payments. For your customers, it’s the familiar card experience. For you, it’s part of the same ecosystem and reporting.
Especially powerful for
- Tourists and international customers
- Higher-ticket purchases where cards are preferred
- Online checkout where cards are a standard expectation
3) iDEAL
If you sell to customers from the Netherlands, iDEAL is non-negotiable. Sentoo lets Dutch customers pay you the way they’re used to, through their familiar iDEAL flow, while keeping all your payment data in one place.
The Sentoo solutions
Here’s how these payment methods show up in your day-to-day operations. This is the ecosystem we're talking about, ensuring that the above mentioned payment methods are available wherever and however your customers pay.
1) SentooGo (SoftPOS) for in-person payments
SentooGo turns a compatible device into a soft POS, allowing your team to accept in-person payments without a traditional terminal.
Typical use cases
- Retail counters
- Delivery drivers
- Pop-up events and fairs
- Field teams and technicians
For business, it means your team can sell and get paid from anywhere. You don’t need to invest in extra hardware for each location, and it helps your team create a faster checkout process during busy times.
2) QR as a Service
Add scannable or clickable QR codes to your invoices. Your customer scans or clicks → opens a secure payment page → approves the payment with their bank app, card, or iDEAL (where applicable).
This means you get
- Faster invoice payments (fewer “I’ll do the transfer later” delays)
- Simple instruction to customers: “Scan or click the QR to pay”
- Works for both printed and digital invoices
- Each QR can be tied to specific invoices or references
- Better reconciliation compared to generic manual transfers
- Fewer inquiries like “which reference should I use?” or “I paid, but my account has been suspended”
3) Manual payment links
Sometimes sales happen in conversations through WhatsApp, Instagram, email, etc. With manual payment links, your team can generate a payment link and send it directly to the customer.
- Turn “I’m interested” into “I’ve paid” in the same chat
- No need to push customers to a separate portal
- Great for reservations, pre-orders, and deposits
- Standardized links with explicit references and amounts
- Monitor link status in the Merchant Portal
- Less risk than sharing raw bank account details
If you have recurring payments, we can set up recurring links to be sent to your customers.
4) E-commerce plugins
If you sell online on platforms such as Wix, WordPress, or Shopify, Sentoo offers ready-to-use plugins. Add Pay by Bank, cards, and iDEAL directly into your existing checkout without heavy development work.
- A checkout that feels professional and trustworthy
- Local and international customers can pay the way they prefer
- No need to rebuild your site to accept modern payments
5) System integrations
Beyond Sentoo’s own solutions, the ecosystem expands through integrations with third-party platforms and business systems. These integrations enable businesses to use Sentoo payment methods directly within the tools they already depend on, without altering their current workflow.
Examples:
- POS systems like unTill
- Platforms such as Odoo or Butlaroo
We are continuously expanding and improving our integrations to increase convenience for business owners, reduce operational friction, and ensure that Sentoo’s payment methods are available wherever payments are initiated. This is a key part of how the Sentoo ecosystem evolves over time. Are you missing Sentoo somewhere? Let us know!
6) Open REST API
For businesses with custom websites, apps, or internal portals, Sentoo offers an Open REST API. This API gives you complete control over how payments are embedded into your systems and customer journeys.
Ideal for
- Custom e-commerce platforms
- Billing portals (utilities, telecom)
- Industry-specific software
- Multi-brand or multi-entity setups
What the API offers
- Deep integration into your own applications
- Access to Pay by Bank, cards, and iDEAL through one interface
- Scalable setup across regions, brands, or business units
- Flexibility without losing standardization underneath
The Sentoo portal
All these channels and methods are powerful, but only if you can see what’s happening in a single overview. That’s where the Sentoo portal comes in.
It provides real-time payment status across all channels and the option to add users with specific roles and permissions. Operations, finance, and customer service teams get access to what they need without losing control.
- Reports that match how you work
- Filter by solution, payment method, location, or time period
- Export for accounting and BI tools
Your bank statement is essential, but it doesn’t tell you which payment came from a QR, a link, or your website, nor how many payments failed and where. With Sentoo, you keep your money in your bank, and you gain real-time visibility into how those payments are created, completed, or abandoned.
Why Sentoo is a confident choice for any business
- Accept payments in-person and online
- No new apps needed for customers: use their bank app, Visa/Mastercard, or iDEAL
- Real-time visibility; cut down on manual admin
- One partner for various payment methods and channels
- Local coverage across Aruba, Bonaire, Curaçao, Saba, Sint Eustatius, and Sint Maarten
- Merchant portal for control and data (compliance, reconciliation, reporting)
- Easier to standardize processes across entities while keeping channel flexibility
Bringing it all together
If you’re looking to accept payments across multiple channels, without spending time figuring out who paid what and where, Sentoo can help simplify your setup. The ecosystem that is evolving ensures Sentoo’s payment methods are available everywhere your business operates, while your teams maintain control, visibility, and consistency.
